Escher Payment APIs July 5th, 2016

World Leader in Digital Point of Service Solutions We operate on the largest retail network in the world Processing $600 million in transactions per day 400,000 points of services delivering payments Operating in over 35 countries

Customer First Digital Strategy Digital and physical are beginning to merge. It’s all about allowing customers to transact on the channel and the device that is most convenient to them at that time. Building closer relationships with your customers allows you to understand and anticipate their needs. Payments and loyalty are two key elements in engaging with your customer • Payments gives a strong indicators of what your customer values • Loyalty is a way of encouraging or changing customer behaviour

APIs eMoney API Remittances Loyalty User

Insomnia • Payment • Closed Loop eMoney • In-app top-ups • In store top-ups • Engagement • Automated Email • Automated Push • GeoFencing • Beacons • Loyalty • Coupons • Offers • Campaign Management

• Used for managing customer registrations and accounts. • Optional – you can integrate with your existing CRM User API

Emoney API • Ability to manage a customer balance, topup and process payments against that balance

• To access an account you must have user authorisation. Retrieving an auth token via a user login is one way of obtaining permissions

• Example request to retrieve a list of customers emoney balances

• Customers can register a credit/debit card for online topups • SDK available to register card details removing PCI compliance requirements from your app

• Example topup request

• Example payment request • Payment may also be processed with a payment token instead of a user auth token e.g. from a point of sale • Payment token is obtained by the user’s app and scanned by the POS

petrina.leslie@eschergroup.com www.eschergroup.com